Bankrupt Betty's tale of going through the process of Bankruptcy and how she IS reclaiming her life,sanity and finances.

Sunday, June 27, 2010

When It Rains, It Pours

At the end of May I hurt my back and my neck. Nothing major thank goodness, but enough to send me to the doctor a few times, to physical therapy and to the massage therapist. Cost to me, about $1000. One of the pets decided it would be fun to break it's leg. Seriously, the pet broke his leg. Cost to the vet for X rays, casting, meds, $500. I'm lucky that the dog did not need orthopedic surgery. My primary vet (that I am slowly losing confidence in) sent me to a specialist muttering something about pins and screws. I was having night sweats, surgery would have been a around $1,000. The specialist told me the dog could get by on a cast and lots of crate rest. Where did this money come from. My now depleted E fund.

What happens next, my boss holds a meeting to tell the staff that the business will be changing, one partner leaving, and everyone's hours cut, mine included. Actually, as I posted earlier, the office is on the brink of shutting down unless plans, B, C, D somehow come to fruition.

I knew there was a reason I never put that application in for the FHA loan.

The good news of the past month.

I have pretty much recovered from my neck and back issue, the dogs leg has healed, and while I have no
E-fund anymore, I am at least current on all my financial obligations.

I still want to spend most of my free time huddled under the pillows watching Grey's Anatomy re-runs.

I hope your back and neck feel better. It can be difficult to feel pain and not have the money to remedy it. Good thing you are starting to survive financially. Just maintain the momentum, step-by-step.

Well, let's face it, we're living in really rough times. I can easily relate to what you're writing about, as the employment in my company is going to shrink as well. Personally, I feel that in these troubled times, it's better to stay on the watch all the time. In other words, better get your resume prepared all the time, instead of getting a look into it the very moment you lost your job.

I read your money progress on the side of your blog and I think you are doing well. Any update on your financial situation? Based on your blog, I think you are managing nicely. It is hard to cope with a jobless situation. But as Bennie said, taking everything slowly, one day at a time, can be the answer.

You may have gone bankrupt, but it doesn’t mean that it’s the end of the world for you. See? You proved it to yourself. You were able to bounce back and live a new life. I really hope that you’re doing great now! ;) After what happened, I am sure you learned pretty well how to make great decisions when it comes to your finances.

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That sounds like a rough time of things. That is too bad. I also feel like when it rains it pours. We had to file for bankruptcy in Canada and it was no fun at all. But, while we were dealing with that mess, it seemed that every other thing that could fall apart did fall apart. Keep your head up!

That's heartbreaking. It's so hard when you have one trial, let alone several all happening at once. Even your dog broke his leg so you were all just hurting. I myself have had news broken to me that my time was getting cut. I was grateful not to let go completely, but it still was a major set back for me and my family. Keep your chin up though! Many have beaten bankruptcy and it sounds like you can do it too! http://timgeorgelaw.com/Areas-of-Practice/

I can really sympathize with your situation. I recently had a back surgery, and I cannot afford to pay my medical bills. Even with insurance, the burden is unbearable. Thankfully, none of my pets have injured themselves. I will certainly have to file for bankruptcy if I get a vet bill.http://www.faber.ca/locations

I'm sorry to hear that things aren't working out very well for you! Hopefully it'll all turn around soon. Money can be a stressful thing, and bankruptcy can be even scarier. I hope you had a good attorney to help you through it. http://www.yergertyler.com/lawyer-attorney-1540034.html

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About Me

I am a Baby Boomer who has taken the drastic step of personal bankruptcy. This blog is about my journey through the last stages of the bankruptcy application and what has happen to me from that point on. You also get my rantings and ravings as I re-learn some of lifes basic lessons on money managment. DISCLAIMER:I am not a financial expert! Any financial advice posted here has been taken from a variety of sources. I highly recommend you seek professional advice when it comes to you and your money. Let's face it, I've declared Bankruptcy! But hopefully I have learned from my experience. These links and blogs come from a variety of sources. Please do your research and make your decisions with what to do with your money and finances after consulting with a professional.